at going into debt, you're taking the wrong prep advice.
It should not cost you an arm and a leg to prep.
But it will cost you your present lifestyle.
By that I mean, begin to change your life NOW to the way it will have to be when the collapse happens.
Don't wait to learn how to live differently. Do it now. Make it everyday living.
The biggest and most expensive mistake people make while prepping is trying to prep to sustain a lifestyle that they can't sustain without gobs of storage and "stuff."
Prepping isn't about "stuff" though a few essential tools come in handy.
Prepping is about mental preparation, and specifically about SKILLS.
Go camping once a month minimum. Without fail. Like clockwork.
Learn the skills NOW.
(and I don't mean out of your car or in a cabin - I mean camping for real)
Start with some cheap gear, then work your way down to a knife and a flint.
Get an SAS or Army Field Manual.
Practice everything in it.
You can't store piles of water and keep it drinkable. But you CAN learn how to collect it and purify it.
You can't store piles of food and not get "cabin fever" by eating it's limited variety. But you can store a large variety of seeds and learn how to garden and save seed.
Those who are already living closer to what they can maintain after the collapse will be better equipped and able to handle it than those who are trying to store up to maintain a barely affordable lifestyle now.
Think about it. If you are just making ends meet now, how long do you seriously think you'll last if you attempt to maintain that same living standard with a collapse?
You can cut out a lot of cruft, and in doing so IMPROVE the QUALITY of your life now with your family, and you'll be much better prepared for anything life throws at you.
The biggest mistake people make is trying to hold on to "stuff."
That is expensive and not doable for most. And even those that manage it, will lose it in the collapse anyway - despite their best laid plans.
Prepare by learning skills and teaching them to others. You'll be much more "secure" if you do.
-p.s. - get out of paper and into real dollars.
As you save money by changing your lifestyle, shift your excess pay into silver. Particularly, what is known as "junk silver." It isn't junk, it just isn't a collectors item for beauty or rarity. These would be <1965 dimes, quarters and halves, and any <1936 dollars. Gold is okay if you have lots of excess pay, but I wouldn't get anything too large or too much of it. Most of what you will use post collapse for everyday purchases will be silver.